BAC vs CTBI: Which Is the Better Dividend Stock?
As of Oct 30, 2026, CTBI (Community Trust Bancorp, Inc.) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. CTBI offers the higher yield at 3.74%, CTBI has the higher dividend-safety score, and CTBI looks like the better value (its fair-value estimate is 61% above its share price).
Key facts: BAC vs CTBI
Data as of · Source: SmarterDividends data
- As of Oct 30, 2026, Community Trust Bancorp, Inc. (CTBI) has the higher forward dividend yield at 3.74%, versus 2.52% for Bank of America Corporation (BAC).
- As of Oct 30, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and CTBI's A (98/100).
- By SmarterDividends' count as of Oct 30, 2026, BAC has raised its dividend for 12 consecutive years and CTBI for 23.
- As of Oct 30, 2026, BAC pays out 26% of its earnings as dividends and CTBI pays out 36%.
- As of Oct 30, 2026, BAC's fair-value estimate is 24% above its share price and CTBI's fair-value estimate is 61% above its share price, so CTBI looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs CTBI: Dividend Yield, Safety & Value Compared," updated Oct 30, 2026, https://smarterdividends.com/compare/bac-vs-ctbi
| Metric | BAC | CTBI |
|---|---|---|
| Forward yield | 2.52% | 3.74% |
| Annual dividend | $1.28 | $2.60 |
| Payout ratio | 26% | 36% |
| Years of growth | 12 yr | 23 yr |
| 5-yr dividend growth | 8.4% | 5.5% |
| 5-yr total return | 14% | 68% |
| Dividend safety score | 87 (A) | 98 (A) |
| Fair value estimate | $63.43 | $112.89 |
| Upside to fair value | +24% | +61% |
| Frequency | quarterly | quarterly |
| Market cap | $354.0B | $1.3B |
| P/E ratio | 12.2 | 11.5 |
Higher yield
CTBI
3.74%
Safer dividend
CTBI
Grade A
Faster growth
BAC
8.4%
Better value
CTBI
+61% upside
BAC vs CTBI — FAQ
Is BAC or CTBI a better dividend stock?
On the data, CTBI wins more head-to-head categories (6 vs 2). CTBI offers the higher yield (3.74%), while CTBI has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, BAC or CTBI?
CTBI has the higher forward dividend yield at 3.74%, versus 2.52% for BAC.
Is BAC or CTBI safer?
CTBI has the higher dividend-safety score (98/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or CTBI better value right now?
As of Oct 30, 2026, CTBI looks like the better value: its fair-value estimate is 61% above its share price (undervalued). For BAC, its fair-value estimate is 24% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.